Scott Smith, CMT, of Briefing.com joins us to discuss technical indicators to watch in 2015. I answer a listener's email question about the pros and cons of Lending Club and I also cover different types of crowd funding.

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Encore Edition!

Today I go over tax issues when inheriting money including IRA’s. I discuss gift tax rules and the advantages of using 529 plans for estate planning and college planning. I also take a look at renting a home vs. buying. I go over an email question regarding using life insurance as an investment and explain the American Opportunity Tax Credit for college. Rob Black and I talk about building a financial base and why you want a fee based financial planner.

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Encore Mash Up Edition!

Kym and Justin discuss the big news about the new Oculus Virtual Reality headset being offered exclusively to Samsung smart phones and its impact on Apple?

Justin explains his original idea for the live streaming site Justin.tv and the evolution of twitch. 

He answers questions from multiple callers on:

• Strengthening bonds between users to create a thriving online community.
• Deciding between building a big business and selling for a large amount of money.
• What features are critical for creating your own video streaming site. 

He also gives advice for startups trying to gather funding from places like YCombinator and which companies he believes should be on Extreme Tech Challenge.

To have your questions answered by Kym and her guests call 1-800-516-1220 on Thursdays from 2:00-3:00 p.m. (PDT)

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Today I catch up on some listener e-mails and answer the most common questions I get from listeners like you. I cover topics like:

• MLPs: what you need to know about investing in a master limited partnership that could cost you a pretty penny in taxes.
• How to calculate the amount of money you will need in each year of retirement and work out the possible  bugs in your calculations. AND how the one thing you DON’T need to calculate is timing the market.
• James in Piedmont calls in about how much cash to have on hand and the dismal state of bonds.
• Why you don’t want to choose a big bank to be a trustee. 

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00 p.m. to 3:00 p.m. (PDT)

Or to get your question answered on the spot, call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Encore Edition.

Today, I answer listener's e-mail's. Topics include:

• Why vacation homes and time shares tend to destroy peoples retirement plan and the few instances when they are a good idea.
• Financial planning for your child's college education.
• Why an Indexed Universal Life Insurance policy (ILU)  may not be a good strategy for saving for college.
• Why trying to time the market is a terrible idea.
• Why you need a detailed retirement plan to help adjust for corrections in the market and why your risk tolerance decreases as your portfolio increases.
• Rebalancing your asset allocation when working vs. in retirement.

I also answer a callers question about funding a Roth IRA account in addition to a 401(k) and capital gains on stocks.

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Joe tells Kym about the Dreamforce conference held in San Francisco and focusing on giving back with digital books.

What inspired him to create UsTyme and how does it differ from other video conferencing apps like Skype and Facetime?

Kym asks Joe how Oracle’s early attempt at interactive television gave him the prototype for UsTyme.

Why does he believe that the activity side of UsTyme creates deeper connections?

Ingrid Sanders (www.popexpert.com) calls in to ask Joe if he believes UsTyme type apps could become a trend in establishing and maintaining relationships.

To have your questions answered by Kym and her guests call 1-800-516-1220 on Thursdays from 2:00-3:00 p.m. (PDT)

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

I discuss a strangely up US market and other economic news.

Problems with the US corporate tax structure that infuriate and slowly eliminate the middle class.

I respond to an alarming email about social security benefits going to multiple ex-spouses.

Reviewing options for your safe money such as online FDIC savings accounts or a structured CD.

I address the growing problem of child identity theft and signs to look for.

Rob Black and I discuss potential reactions to the possible rise in interest rates.

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Commercial-Free

I argue for and against a potential Federal rate increase and what type of stocks may look more attractive after the decision.

Can china keep the stock market sell off from affecting consumers and economic growth?

I answer questions about being agressive in the market, why I dislike privately traded reits, paying off your mortgage after retirement and buying long term care insurance.

Top 10 myths about the social security system.

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Commercial-Free

Kym asks Tim about DraperU, his entrepreneurial university that teaches success in the startup community.

Tim explains how DraperU inspired his new television show StartupU and what the show focuses on.

What is happening in the startups Tim finds extremely exciting?

IBM Watson Vice President Lauri Saft calls in and talks about developing a network that partners entrepreneurs with big companies.

Tim answers calls from several startups and offers advice on scaling and obtaining capital.

To have your questions answered by Kym and her guests call 1-800-516-1220 on Thursdays from 2:00-3:00 p.m. (PDT)

There's still time to register for tonight's seminar starting at 6:30 p.m. at the Sheraton Hotel in Pleasanton. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Michelle Lerman and I discuss what happens when a will doesn’t address certain scenarios, leaving the state to figure out its intentions.

Why Warren Buffet isn’t afraid of the volatile market and his plans going forward.

Roth IRA vs. Roth 401k

Handling uncomfortable money situations such as dining with bad tippers or investing in a friend’s startup you don’t believe in.

There's still time to register for our upcoming seminar this Thursday, September the 10th at the Sheraton Hotel in Pleasanton. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

In a time of low interest rates, some annuities might make sense. Chad Burton, CFP^®, and Rob Black discuss how no-load annuities could play a role in a retirement income strategy, but there are still red flags to look out for.

Commercial-Free

I help a couple change their retirement plan due to health issues.

The true cost of reverse mortgages and when they make sense.

Why high-income earners may not want to roll over their 401k to an IRA.

What is a Backdoor Roth IRA and how does it work?

I use a personal story to discuss accident forgiveness policies offered by insurance companies.

Good exit strategies for baby boomers looking to sell their business. 

Don't forget to register for our upcoming seminar at the Sheraton Hotel in Pleasanton on Thursday, September 10th.

Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

First, Jin Koh of Original Stitch joins Kym to discuss their decision to expand their market of custom dress shirts towards women.

Why have they chosen Silicon Valley as their target market and what has lead Original Stitch to flourish where larger, more established companies like Levi Strauss have failed?

Then, Jodie Fox from Shoes of Prey calls in and tells Kym about the frustrations that lead her to co-find a site where women can custom design shoes to match an outfit perfectly.

What circumstances pushed Jodie to create an off-line presence and what markets does she wish to expand into?

To have your questions answered by Kym and her guests call 1-800-516-1220 on Thursdays from 2:00-3:00 p.m. (PDT)

Don't forget to register for our upcoming seminar next Thursday, September 10th at the Sheraton Hotel in Pleasanton. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Jack Mohr of Jim Cramer’s Charitable Trust calls in to discuss China and the massive market swings

Ron calls with a question about when to contribute to his Roth IRA and when to convert to his Roth 401k.

China enters a bear market and enters “panic-mode”.

I discuss Professor Siegel’s commentary on interest rates and lackluster GDP growth.

What you should and shouldn’t do when you feel fearful about the market and why you can’t time the market.

How to handle social security issues after a divorce. Do i need to wait to wait till my ex files for eocial security before I do?

Don't foreget to register for our upcoming seminar on Thursday, September 10th at the Sheraton Hotel in Pleasnton. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.